All products and services described herein are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time.

The disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the site. In the event of any conflict, the terms provided in the disclaimer will govern. The disclaimer relates specifically to any particular product or service mentioned in the site and is accessible on each page of the site under the top-bar link "legal notice & disclaimer" on each part of the site that contains product information. The disclaimer contains important information and warnings regarding risks associated with the product or service. The disclaimer should be accessed by you before reading the information for each investment service or product displayed on the site and it is important that you read all of the information.

The information, material and content provided in the pages of the site (the "information") may be changed at any time without notice. Changes may be made to the disclaimers at any time without notice by updating this posting. You agree to review the disclaimers regularly and your continued access or use of the site will mean that you agree to any changes.

information provided on the site, including investment valuations and performance data, is believed to be reliable when posted, but there is no guarantee that it is accurate or complete or current at all times.

Local laws

It is important to note that the products, services and information may not be available to residents of certain jurisdictions. Accordingly, the site does not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful 

the information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorised or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial advisor.

the terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

Confidentiality

"The company" will treat all information regarding you and your investment (whether entered into before or after the investment was contemplated and whether originating from you or a third party) as confidential. “the company" will not disclose any information that it holds about you or your account except in the following circumstances: where “the company" is compelled to do so under swiss law; where you have provided your prior written authorisation to do so; where it is in “the company" interest to do so; or where it is in the public interest to do so; where “the company" needs to disclose information to other financial institutions for the purposes of fraud prevention.

"the company" may be required to disclose information about you and your investment to third parties to facilitate the provision of services to you. In such circumstances you will be notified of this fact in advance of the service being provided to you and your confirmation that this information can be shared with the relevant third parties will be requested in the relevant application form.

Not offering any advice; risk warning

The information is provided for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the information without seeking the advice of a professional. Your financial advisor can help to ensure that your own circumstances have been properly considered and that action is taken on the latest available information.

past performance is not indicative of future performance. The value of investments can fall as well as rise and investors may not get back the amount originally invested. An investment in a currency other than the investor's own base currency will be subject to the movement of foreign exchange rates which may cause an additional favorable or unfavorable change in the value of the investment. Interest rates, market conditions, special offers, tax rulings, and other investment factors are subject to sometimes rapid change.

No warranties

"The company", and any of their affiliates, subsidiaries, officers, directors, employees or agents (collectively, the "company") provide the site and the information on an "as is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the site or the information, including without limitation, warranties as to merchantability, operation, non- infringement, usefulness, completeness, accuracy, currentness, reliability and fitness for a particular purpose. Further, “the company", does not represent or warrant that the site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trade-marks and copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the site are trade names or trade-marks owned by “the company" or its subsidiaries, or trade names or trade-marks licensed to them. The display of trade-marks and trade names on pages at the site does not imply that a license of any kind has been granted to anyone else. The information is for your personal use only. Any unauthorised downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The information is protected under the international copyright law. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the information.

Internet e-mail

Any unprotected e-mail communication over the internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. "the company” is not responsible for and will not be liable to you or any one else for any damages in connection with an e-mail sent by you to "the company" or an e-mail sent by “the company" to you at your request or on an ad-hoc basis

No endorsements

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information.

No liability

"the company" is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the site or the information, or any action or decision made by you in reliance on the site or the information, or any unauthorised use or reproduction of the site or the information, even if "the company" has been advised of the possibility of these damages.

Links/software

Links from or to web sites outside the site are meant for convenience only. "the company” does not review, endorse, approve or control, and is not responsible for any sites linked from or to the site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and "the company” will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and "the company” is not responsible or liable for any difficulties or consequences associated with downloading software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

Jurisdiction
The site is administered by "the company"from its registered offices in switzerland. The site will be governed by and construed in accordance with the laws of switzerland, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the site shall be submitted to and be subject to the exclusive jurisdiction of the courts of switzerland. Through accessing the site you agree to submit and attorn to the exclusive jurisdiction of the ordinary courts of a canton selected entirely at the discretion of "the company", subject to possible appeals to the Swiss Federal Tribunal.